Honest, human mortgage advice
We’re a family-run, whole-of-market mortgage brokerage based in Northamptonshire — built on the radical idea that people deserve clear advice, a real human to talk to, and someone who actually picks up the phone. No call centres. No tick-box computer says no. Just straight talk and mortgages that fit your life.
reviews
— every review
& regulated
Google — 172 reviews
mortgage market
from call one to completion
We compare +20,000 mortgage products
Whole of market, not just the lenders that pay the biggest commissions.
Honest advice, no tick-box nonsense
We built Montgomery Financial around three simple principles. They sound obvious — but the industry often gets them wrong. It's why we're rated 5.0 on Google by 172 real people.
Treat every client like family
Our business is named after Charles's son Monty — a daily reminder of why this work matters. We treat you like we'd want our own family treated: honestly, patiently, and with respect for your time.
Whole-of-market access — always
We compare +20,000 products from every major UK lender and the specialist names the high street won't mention. You get the right deal for your situation, not whichever bank pays the biggest commission.
Lifelong partnership, not a one-off sale
We don't disappear once the mortgage completes. Remortgages, new purchases, buy-to-let, protection reviews, wills — one adviser who knows your story, available for the next chapter whenever it comes.
independent
transaction
From rural Ireland to rescuing real mortgages
Charles grew up on a family farm in rural Ireland, where people shook hands on their word and a neighbour's problem was your problem too. He moved to the UK, trained as a pharmacist, then as a teacher — before finding his real calling: helping people actually buy the homes they work so hard for.
He named the business after his son, Monty — a daily reminder of why it matters. Every client gets the advice Charles would want his own family to get: honest, clear, no sales pressure, no hidden fees, no fitting people into the nearest tick-box.
Today, Montgomery Financial is a family-run brokerage trusted by 172 five-star reviewers and growing — built on the same handshake-and-your-word principles Charles grew up with.
Meet Charles →
Everything we do for you
Montgomery Financial is a whole-of-market brokerage covering every stage of your journey — from the first mortgage right through to protecting the family and writing the will. One adviser, one roof, for life.
First-time buyer mortgages
From 5% depositWe take you from "where do we even start?" to keys in the door. Deposit planning, affordability, schemes, solicitors, survey — all handled, step by step.
Next-home mortgages
Port, switch or borrow moreMoving up the ladder? We'll work out whether to port your existing deal, switch lenders, or raise capital against the new place — on your numbers, not a guess.
Remortgage & product transfer
Avoid the SVR cliffMost people drop onto a lender's reversion rate and pay hundreds a month more than they need to. We start the remortgage six months early and give you the best deal across the whole market.
Buy-to-let mortgages
Personal name, SPV, portfolioFrom your first BTL to a full portfolio. Personal, limited company / SPV, HMOs, MUFBs, holiday lets — with lenders the high street simply doesn't have.
Specialist mortgages
Self-employed, complex income, adverseOne year's accounts, contractors, CCJs, DMPs, expats, non-standard property — all the cases the high street won't touch. We know the specialist lender panel inside out.
Life, illness & income cover
Life, CIC, IP, family income benefitA mortgage without protection is a mortgage on a stranger's promise. We'll quote the whole market and set you up with cover that pays out when your family actually needs it.
Wills & lasting power of attorney
Protect the family, protect the homeSolicitor-drafted wills, LPAs and trusts — done at your kitchen table or over video. The bit nobody wants to do but everybody should, handled properly.
Private medical cover
Fast access, family plansSkip the NHS queues when you need to. Private medical plans for you, your partner and the kids — with whole-of-market quotes so you don't overpay.
The Montgomery promise
Whole of market
Access to the full mortgage market — high street, specialist and private — not just the handful of lenders a tied adviser can offer.
One dedicated adviser
You deal with Charles from first call to completion — and every year after that. No call centres, no handoffs, no retelling your story.
WhatsApp updates
Real-time progress from us and the lender. No chasing, no email ping-pong, no "we'll call you back next Tuesday".
Transparent fees
You'll know exactly what we charge — and what commission we're paid — before we do a single thing. No hidden add-ons, no surprise invoices.
No jargon, no waffle
If you need your mortgage explained by someone who doesn't sound like a product brochure — you're in the right place.
Lifelong partnership
We're here for the next remortgage, the protection review, the wills — and the kids' first mortgage when the time comes.